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Using your cash benefits BENEFITS
Our cash benefits provide greater BASE POLICY BENEFITS
coverage options because you get to
determine how to use them. Total Disability - the monthly benefit starts after the elimination period has been met. Benefits will not continue
beyond the maximum benefit period. You must be actively employed on the date the disability occurs for this monthly
Finances benefit to be payable
Can help protect your
savings, retirement plans Partial Disability - 50% of the monthly benefit is paid after at least one month of the Total Disability Benefit is
and 40lks from being payable, Payments continue while partially disabled for up to 3 months, but not beyond the maximum benefit period
depleted. Pregnancy - for total disability due to pregnancy if the policy has been in force for at least 10 months
...l Travel
� You can use your cash Monthly Benefit When You Attain Age 70 - the monthly benefit will continue if you are disabled when you
benefits to help pay for reach age 70 for the remainder of your benefit period or 12 months, whichever is less
expenses while receiving Waiver of Premium - premiums are waived after monthly disability benefits are payable for 90 days in a row.
treatment in another city. Waived as long as monthly benefits are payable, but not beyond the maximum benefit period
� Home
I I You can use your cash
benefits to help pay the BASE POLICY BENEFIT CONDITIONS
mortgage, continue rental
payments, or perform Concurrent Disability - one monthly benefit is paid, even if you are disabled due to more than one cause. Being
needed home repairs for disabled from more than one cause does not extend the payment of benefits under the maximum benefit period
your after care. Recurrent Disability - a benefit is paid if disabled from the same or related cause within 6 months without a new
� Expenses waiting period or maximum benefit period
D The monthly cash benefit
can be used to help pay your DETAILS OF COVERAGE FOR POLICY
family's living expenses such
as bills, electricity and gas. Maximum Monthly Benefit - Minimum $400 up to a Maximum of $5,000 (based on income)
Benefit Period - Choose from 3, 6, 12 or 24 month benefit periods
Premium and Premium Mode - Your Allstate Benefits Representative can help you determine this

Elimination Periods (number of days for injury and sickness) - Choose from 0 injury/7 sickness,
0 injury/14 sickness, 7 injury/7 sickness, 14 injury/14 sickness, 30 injury/30 sickness, 90
injury/90 sickness or 180 injury/180 sickness
DEFINITIONS
MyBenefits: 24/7 Access Total Disability - when, because of sickness or an off-the-job injury, you can't perform each and every material and
allstatebenefits.com/mybenefits substantial duty of your own occupation (as defined below) and are under a physician's care
An easy-to-use website that
offers 24/7 access to important Own Occupation - your occupation when a period of disability begins; if you're unemployed at that time, it means
information about your benefits. any gainful occupation for which you're suited by education, training, or experience
Plus, you can submit and check Elimination (Waiting) Period - a period of continuous total disability which must be satisfied before you are
your claims (including claim eligible to receive benefits
history), request your cash
benefit to be direct deposited,
make changes to personal
information, and more.

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